Alejandro Del Toro

Carmar Insurance Agency

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Office Hours

Monday - Friday:

9:00 AM - 6:00 PM

Saturday - Sunday:


About Carmar Insurance Agency

With over a decade of experience in the insurance industry, our Southern California business insurance firm consists of a skilled, reputable team of brokers and associates. Each of us possesses the knowledge, industry education, and required licensure to deliver top-notch business insurance services to small business clientele. Collectively, we are 100% independent; that is, we don’t work for any insurance carrier or outside interest. Because we represent the customer and not a specific insurer, we can scour the marketplace in search of the best policies to meet the needs of our clients. We don’t just offer you the first policies we encounter; after evaluating the risk of all potential policies, we only offer what we have carefully determined to be the best ones – business insurance policies with the deepest discounts, lowest premium rates, and most comprehensive coverage possible. As a result, we have written countless policies for our satisfied clients in the Southern California business community. We are licensed in both California, Arizona, and Texas and are highly competitive business property insurance experts in the commercial building, retail, and professional offices market. For more details on obtaining business insurance, contact Carmar Insurance Agency today. After asking a few questions regarding your business, we will gladly provide you with a commercial insurance quote.

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Why our clients choose us

We offer the following coverages for small businesses

through Coterie Insurance

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

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Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

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Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

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Insurance 101: Business Owners Policy (BOP)

Insurance 101: General Liability Insurance

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Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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